Buy Bitcoin in Mexico with SPEI: 14 Platforms (2026)
Compare 14 platforms to buy bitcoin in Mexico with SPEI, plus P2P alternatives. Review fees, funding limits, withdrawal costs and delivery to your own wallet.
To buy Bitcoin in Mexico with SPEI, you send pesos from any Mexican bank account to the platform of your choice. That choice determines the purchase steps, the total cost, and who holds the Bitcoin afterward. This guide compares 14 platforms on those product differences first, with P2P and vouchers covered separately, then follows each platform's fees from SPEI funding through delivery to your wallet.
Bitcoin brokers convert pesos into Bitcoin at a quoted rate or markup. Depending on the service, the purchase goes directly to your own wallet or stays in a custodial wallet until you request delivery.
Crypto exchanges let you fund an account and buy through an order book or an instant-buy screen. The Bitcoin stays with the exchange until you withdraw it. Trading-fee tiers depend on volume, and the cost of reaching your own wallet also depends on the spread and any currency-conversion or withdrawal charges. Exchanges emphasize active trading and often support many cryptocurrencies. Long-term buyers can also use them, but should compare the full cost of buying and moving bitcoin into self-custody. If you only want Bitcoin, see why Bitcoin is different from other cryptocurrencies.
P2P marketplaces connect buyers with sellers whose offers set the price and payment method. Escrow coordinates settlement, with available amounts and identity requirements depending on the marketplace and offer.
For long-term Bitcoin saving, follow the purchase through to the wallet you control. Aureo buys Bitcoin when your SPEI arrives and sends it directly to your selected on-chain or Lightning wallet, so there is no separate withdrawal step. Once you have saved that destination, the transfer from your bank starts the process. See how it works on the Buy Bitcoin in Mexico page.
TL;DR
Short on time? This table points to the platforms in this comparison that fit each situation. Every figure comes from the sections below, checked Sep 10, 2026.
If you want to… | Look at | Why, from this comparison | Before you decide |
|---|---|---|---|
Receive bitcoin in your own wallet with no withdrawal step | Aureo; Bull Bitcoin (Auto Buy); Paybis (external wallet at checkout) | The purchase settles to the address you saved. Aureo and Bull Bitcoin charge nothing for delivery. | Paybis itemizes a network fee. Bull Bitcoin needs a funded account first. |
Buy on a schedule the platform runs for you | Bull Bitcoin Auto Buy; ArcadiaB recurring | Auto Buy purchases after each deposit lands. ArcadiaB advertises 0% commission on recurring buys from MX$100. | ArcadiaB holds the bitcoin until you withdraw, and its spread is not quantified in the recurring offer. |
Buy on a schedule your bank runs | Aureo | A standing SPEI to your Aureo CLABE triggers a purchase and delivery each time it lands. No login needed. | You set amount and cadence in your banking app. Each transfer prices at its own tier: MX$4,000 a week pays 2.00%, MX$20,000 a month pays 1.50%. |
Start with a very small first purchase | Mercado Pago (MX$50); Bitso (MX$100); ArcadiaB (MX$100) | Lowest published minimums in the limits table. | Mercado Pago charges 1.50% per purchase and per sale. Bitso's app quote runs about 1.5% to 2.0% all in. |
Pay the lowest published order-book fees | MEXC (0% maker / 0.05% taker); OKX (0.08% / 0.10%); Binance (0.10% / 0.10%) | Lowest entry-tier Spot rates in the fee table. | The SPEI on-ramp is a separate quote at each of these. Moving BTC out costs about MX$16 on-chain at Binance and OKX, about MX$52 at MEXC. |
Trade BTC/MXN directly, without a dollar leg | Bitso Alpha | BTC/MXN order book at 0.600% maker / 0.780% taker on entry. Lightning withdrawal is 0. | Kraken converts MXN to USD on the way in. Its conversion rate was about 1% above the market rate in a test deposit on Sep 10, 2026. |
Buy in size | Aureo OTC desk | 1.00% from MX$200,000 to MX$2,000,000, custom quote above, delivery included. | MEXC accepts SPEI deposits up to MX$10,000,000 per transaction, but a daily cap around US$20,000 applies. |
Get bitcoin over Lightning at no platform fee | Aureo; Bull Bitcoin; Bitso | Aureo and Bull Bitcoin deliver over Lightning as part of the purchase. Bitso charges 0 to withdraw over Lightning from a balance. | Kraken charges 0.10% of the amount over Lightning. Binance charges roughly MX$1 and OKX roughly MX$10. Bybit, MEXC, Mercado Pago does not offer Lightning. |
Buy without platform identity verification | RoboSats; Mostro; Hodl Hodl; Azteco vouchers | P2P escrow on Lightning or multisig. Azteco vouchers from US$10 to US$1,000 redeem to your wallet. | Sellers or the voucher issuer set the price. Hodl Hodl charges 0.75% per side. |
Trade many cryptocurrencies from one account | Bitso; Binance; OKX | Broad markets, volume-tiered fees, Lightning withdrawal available. | Bybit's MXN-balance route closes Sep 29, 2026 and is left out here. |
Buy for a business or family office | Aureo for businesses; multi-institution custody | OTC execution with reporting, plus a custody structure for holding. | Fees above MX$20,000,000 are quoted per mandate. |
How to buy Bitcoin with SPEI on each platform
Platform | Model | SPEI → BTC flow | BTC destination | Separate withdrawal? | Networks |
|---|---|---|---|---|---|
Aureo | Bitcoin broker | SPEI triggers the purchase | Your wallet | No | On-chain; Lightning |
Bull Bitcoin | Bitcoin broker | Fund account; Auto Buy triggers purchase | Your wallet | No with direct delivery | On-chain; Lightning; Liquid |
ArcadiaB | Bitcoin broker | SPEI → purchase | ArcadiaB custody | Yes | On-chain; Lightning |
ARQ | Custodial finance app | SPEI → digital-dollar balance → buy BTC | ARQ custody | Unavailable; sell to access funds | No external BTC transfers |
Bitso | Crypto exchange | MXN balance → buy | Bitso custody | Yes | On-chain; Lightning |
Kraken | Crypto exchange | MXN → USD balance → buy | Kraken custody | Yes | On-chain; Lightning |
Mercado Pago | Crypto service | Fund balance → buy | Paxos / Ripio custody | Yes | On-chain |
Binance | Crypto exchange | MXN balance (Medá) → buy | Binance custody | Yes | On-chain; Lightning |
OKX | Crypto exchange | MXN balance → buy | OKX custody | Yes | On-chain; Lightning |
Bybit | Crypto exchange | SPEI → fiat balance → buy (MXN services end Sep 29, 2026) | Bybit custody | Yes | On-chain |
MEXC | Crypto exchange | SPEI → fiat wallet → quoted purchase | MEXC custody | Yes | On-chain |
TruBit | Crypto exchange | MXN → MMXN → BTC | TruBit custody | Yes | On-chain |
Ripio | Crypto platform | Peso balance → buy | Ripio custody | Yes | On-chain |
Paybis | Crypto broker | SPEI checkout → purchase | Your wallet or Paybis wallet | No with external delivery | On-chain |
Bybit MXN-balance update: incoming MXN transfers are suspended. The grace period ends on Sep 29, 2026 at 23:59 (UTC−6); remaining MXN balances convert automatically from Sep 30, 2026 at 00:00 (UTC−6), subject to the conversion terms. This closes MXN-balance deposits/withdrawals, One-Click Buy/Sell and Convert. Bybit says non-balance bank-transfer purchases and Bybit Pay are unaffected. The Bybit rows below describe the balance route before closure, not a continuing MXN-balance service.
How much does each platform charge?
The table follows funding, purchase and delivery costs. Spot fees apply only to order-book trades; a SPEI checkout that buys BTC directly uses its own quote and does not necessarily incur a second Spot fee. Schedules A–F detail the trading tiers. Withdrawal figures are historical snapshots. Peso equivalents use an illustrative MX$1.05 million per BTC, not a current market quote. For Aureo's own fees in more detail, see Aureo Bitcoin fees: buying and selling.
Platform / method | SPEI / funding | Buy / trading fee | Spread / FX | BTC delivery / withdrawal |
|---|---|---|---|---|
0% | 2.00%, 1.75%, 1.50%, 1.25% by transaction size in the app; 1.00% on OTC desk orders from MX$200,000 to MX$2,000,000; custom quote above MX$2,000,000. All thresholds in schedule A. | Published fee; Aureo states no spread above the spot price. | Included: on-chain or Lightning delivery to your wallet. | |
0% | 0 separate processing / trading fee. | Indicative buy markup: ~1.94%. The live BTC/MXN quote determines the rate. | Standard on-chain: 0, min. 0.001 BTC. Lightning: 0, max. 0.15 BTC. Liquid: 0. Express: priority network fee. | |
Payment-method charges disclosed before confirmation. | 0% advertised commission. Daily, weekly, biweekly or monthly; min. MX$100. | Spread not quantified in the recurring-buy offer. | On-chain network fee, disclosed before withdrawal. | |
Payment-method charges disclosed before confirmation. | Quote-based commission, disclosed with the spread before purchase confirmation. | Variable spread included in the purchase quote. | On-chain network fee, disclosed before withdrawal. | |
Bitso app / quick buy | 0% SPEI | Variable all-in quote; ~1.5%–2.0%, including spread. | Included in the ~1.5%–2.0% quoted buy cost. | On-chain: 0.00001543 BTC (about MX$16). Lightning: 0. |
0% SPEI | 0.600% maker / 0.780% taker at entry tier; 0.100% / 0.130% highest tier. All 9 tiers in B. | Order-book price and slippage depend on execution. | On-chain: 0.00001543 BTC (about MX$16). Lightning: 0. | |
No itemized SPEI fee; MX$150 minimum. The MXN → USD conversion rate was about 1% above market in a test deposit on Sep 10, 2026. | 1.00%. Kraken+ waives eligible fees on up to US$10,000/month. | Instant Buy priced bitcoin about 1.5% above the Kraken Pro market price on Sep 10, 2026, plus the MXN → USD conversion. | On-chain: 0.00002 BTC (about MX$21); 0.0002 BTC minimum withdrawal. Lightning: 0.10% of the amount; 0.00001 BTC minimum. | |
No itemized SPEI fee; conversion rate about 1% above market. | 1.50%. Kraken+ allowance applies to eligible consumer trades. | Variable quoted spread plus MXN → USD conversion. | Same withdrawal structure as Instant Buy. | |
No itemized SPEI fee; conversion rate about 1% above market. | 0.40% maker / 0.80% taker at entry tier; 0% / 0.05% highest tier. Full volume and asset thresholds in C. | MXN → USD conversion, then order-book execution. | Same withdrawal structure as Instant Buy. | |
Mercado Pago | From Mercado Pago balance. | 1.50% per purchase; 1.50% per sale. VAT included. | The purchase quote sets the BTC/MXN execution rate. | On-chain network fee, displayed before transfer. |
Per trade: Standard 0.30%; Premium 0.20%; Prestige 0.15%. Minimum fee: $0.01 (currency not specified in the guide). Paid memberships cost extra. | MXN converts to digital dollars at the displayed FX rate. ARQ states no hidden spread on crypto trades. | BTC deposits and withdrawals unavailable; on-chain and Lightning delivery not supported. | ||
0% SPEI to a Medá account; CURP verification required. | Regular: 0.100% / 0.100%; with BNB: 0.075% / 0.075%. All VIP thresholds and discounts in D. | Order-book execution; additional conversion depends on route. | On-chain: ~0.000015 BTC (about MX$16). Lightning: ~0.000001 BTC, min. 0.00002 BTC. | |
Same funding route. | 0% explicit Convert trading fee. | Quoted conversion rate; Spot fee schedule does not apply. | Same withdrawal structure as Binance Spot. | |
SPEI to an MXN virtual account; applicable charge shown before funding. | Regular: 0.0800% / 0.1000%. Full VIP ladder in E. | SPEI buys BTC or another supported asset at a quote; Spot fees apply only to a separate trade. | On-chain: ~0.000015 BTC (about MX$16), min. 0.00008 BTC. Lightning: ~0.00001 BTC. | |
Same funding route. | 0% explicit transaction fee. | Convert quote differs from the Spot market price. | Same withdrawal structure as OKX Spot. | |
MXN-balance route is closing; see the dated notice above. Current funding charge depends on the available route. | VIP0: 0.1000% / 0.1000%; Supreme: 0.0300% / 0.0450%. Every level in F. | Fiat-to-crypto gateway quote is separate from Spot execution. | On-chain only: ~0.00007–0.00013 BTC (about MX$75–140); 0.00027 BTC minimum withdrawal. No Lightning. | |
Same funding route. | Entry: 0.1500% maker / 0.2000% taker. Full fiat-pair ladder in F. | Applies only where an eligible fiat/BTC trading pair is offered. | Same withdrawal structure as Bybit crypto/crypto. | |
SPEI through Alchemy Pay; processing charge shown at checkout. | 0% maker / 0.05% taker. MX fee payment: 20% discount, giving 0% / 0.04%. | Fiat-wallet purchase quote is separate from any later Spot trade. | On-chain only: ~0.00005 BTC (about MX$52); 0.00008 BTC minimum withdrawal. No Lightning. | |
MXN → MMXN through SPEI: 0%. | MMXN → BTC: 0% explicit conversion commission. | Variable spread included in the displayed conversion rate. | Variable on-chain network fee, shown at withdrawal; internal TruBit transfers: 0. | |
Ripio Wallet | Bank transfer: 0%. Mercado Pago funding: 3%. | BTC purchases and sales: 0% promotional commission. Other cryptocurrencies: 0.5%. | The displayed quote sets the execution rate. | Variable network fee, displayed before withdrawal. |
SPEI processing charge itemized at checkout. | First purchase: 0% Paybis service fee. Subsequent purchases: service fee from 1.49%, generally subject to a US$2 minimum; exact charge depends on payment method and amount. | Paybis states 0 added exchange-rate spread; itemizes service, processing and network fees. | Network fee; external-wallet delivery available. |
Pricing notes
For quote-based purchases, compare the BTC/MXN buy rate with a market reference taken at the same time. The markup is calculated as (buy price ÷ reference price − 1) × 100. A quote that already includes the spread should be counted once when comparing costs.
ArcadiaB advertises 0% commission on recurring purchases. For one-time purchases, it discloses the commission and spread before confirmation. External Bitcoin withdrawals can carry a network fee.
ARQ’s paid-plan pricing: Premium costs 6.99 USDc/month or 69.99 USDc/year; Prestige costs US$199.99/year in Mexico. Include that subscription cost when comparing its lower trading rates. The SPEI funding step converts pesos into digital dollars before the BTC purchase.
Ripio's 0% Bitcoin commission is promotional and applies to its consumer wallet. Its business Ramps API has separate pricing. Paybis waives its service fee on the first purchase; payment processing and Bitcoin network charges can still apply.
Bybit has announced that its MXN balance services end on September 29, 2026. Its rows are kept for comparison until that date; after it, SPEI funding through Bybit is not expected to be available.
Funding and purchase limits by platform
Platform | Minimum | Maximum / relevant limit |
|---|---|---|
Aureo | MX$500 | Below MX$200,000: automated app purchases, usually within minutes. From MX$200,000: OTC-assisted execution; arrange larger orders and settlement timing with the desk. |
Bull Bitcoin | MX$1,000 | No published SPEI maximum; Delivery limits: on-chain min. 0.001 BTC; Lightning max. 0.15 BTC; Liquid min. 0.00001 BTC. |
ArcadiaB recurring | MX$100 | No maximum advertised for recurring buys; account checks apply. |
ARQ | No numeric SPEI deposit or BTC-order minimum published in the reviewed guides. The $0.01 minimum is a fee, not an order minimum. | No published maximum for MXN transfers or crypto trading. Large or unusual transfers may require proof of funds. |
Bitso | MX$100 | Monthly deposit/withdrawal cap is account-specific. View Account → Transaction limits; Bitso’s current help page gives no universal MXN cap. Could be up to MX$50,000 per month at initial verification; higher limits on request with income documentation. |
Kraken | MX$150 SPEI deposit | Deposit limit shown in the funding flow: about MX$1.72 million (US$100,000) at the verified tier tested on Sep 10, 2026. Minimum BTC withdrawal: 0.0002 BTC on-chain; 0.00001 BTC over Lightning. |
Mercado Pago | MX$50 | Purchases: MX$100,000 daily; MX$400,000 monthly. |
Binance | Shown in the deposit flow; no published SPEI minimum. | Monthly bank-transfer deposit limits by verification level: US$5,000 (Level 1), US$15,000 (Level 2), US$40,000 (Level 3), in MXN equivalent. |
OKX | Shown in the deposit flow; no published SPEI minimum. | 30-day cumulative cap; account-dependent. Minimum BTC withdrawal: 0.00008 BTC on-chain. |
Bybit | Shown in the deposit flow; no published SPEI minimum. | Up to approximately US$10,000 per order. Minimum BTC withdrawal: 0.00027 BTC. MXN deposits end Sep 29, 2026. |
MEXC | SPEI deposit: MX$10,000,000 per transaction, also subject to the lower daily cap of US$20,000 equivalent. Advanced KYC required. | |
TruBit | MX$1 for SPEI → MMXN | |
Ripio | MX$250 advertised at Mexico launch; current Wallet minimum needs confirmation. | Shown in app; no published MXN maximum. |
Paybis | Approximately US$5 | Set per payment method and shown at checkout; no SPEI-specific maximum published. |
Direct-to-wallet vs. custodial
Aureo delivers purchased Bitcoin to your saved wallet. Bull Bitcoin supports direct delivery, with Auto Buy available for automatic purchases after funding. At Paybis checkout, choosing an external wallet sends the purchase there; choosing a Paybis wallet leaves it in custody. Why the distinction matters is covered in Buy Bitcoin direct to your wallet and in our comparison of Bitcoin custody risks.
ArcadiaB credits purchased BTC to its custodial wallet. Bitso, Kraken, Binance, OKX, Bybit, MEXC, TruBit, Ripio and Mercado Pago also hold BTC until the customer requests a withdrawal. ARQ holds purchased BTC too, but does not currently allow external crypto transfers.
Moving bitcoin from an exchange to your own wallet may incur a platform withdrawal fee as well as minimum-amount requirements. These fees can change. At the illustrative rate used here, 0.000001 BTC is MX$1.05 and 0.00001 BTC is MX$10.50, so the Binance and OKX Lightning snapshots are not fractions of a cent. Check the selected network, current fee and minimum before buying.
If you do not have a destination wallet yet, start with how to set up a Bitcoin wallet or, for small and frequent purchases, how to set up a Lightning wallet.
How to read the fee structure
Read each row across funding, purchase pricing and delivery. The detailed schedules below specify tier thresholds and discounts for each trading interface.
A broker's markup is part of the purchase rate. A quoted-price conversion can also contain a spread. Order-book trades carry maker or taker fees, with execution prices determined by available orders.
Kraken converts MXN deposits to USD. The deposit flow shows no itemized SPEI fee, and a MX$150 test deposit on Sep 10, 2026 was credited at the quoted rate with no separate deduction, although Kraken's help centre lists a 0.5% deposit charge. The cost sits in the conversion rate, which was about 1% above the market rate, and the same conversion applies on the way back out. The Instant Buy screen then priced bitcoin about 1.5% above the Pro market price, on top of its 1% fee; a Pro market order paid the 0.80% taker fee with negligible slippage. From pesos to bitcoin in your own wallet over Lightning, the Pro market route cost about 1.9% all in.
TruBit converts pesos to MMXN before the BTC purchase. SPEI funding and the explicit Convert commission are both 0%; the MMXN → BTC quote includes TruBit's margin.
A custodial purchase can also carry a BTC withdrawal charge. The network matters: some platforms charge for on-chain withdrawals while offering Lightning withdrawals at 0.
P2P, cash, and vouchers
For delivery without platform identity verification, RoboSats and Mostro run on Lightning with very low fees. Hodl Hodl uses multisig and charges 0.75% per side. NoOnes and LocalCoinSwap have active Mexican markets with SPEI, transfer, and OXXO. Azteco is the voucher route for small amounts with no account.
Platform | Fee | Notes |
|---|---|---|
RoboSats | 0.025% maker / 0.175% taker | Lightning, no KYC, to your wallet |
Hodl Hodl | On-chain: 0.75% per side; 0.5% for eligible referrals/referrers. Minimum fee and network charges also apply. | Multisig, no KYC |
Mostro | Node-defined (~0.3% per side in examples) | Lightning/Nostr, no KYC |
LocalCoinSwap | Shown in the offer | Active Mexico marketplace |
Vouchers and cash: Azteco sells Bitcoin vouchers from US$10 to US$1,000. You pay for the voucher and redeem it to your own wallet, on-chain or Lightning. No account needed.
Regulatory note
Mexico’s SAT classifies habitual, professional virtual-asset exchange services offered by non-financial entities as a Vulnerable Activity under LFPIORPI, with registration and reporting obligations. This is distinct from authorization as a financial technology institution under the Fintech Law.
That is not an investment endorsement. Under the Fintech Law, virtual assets are not legal tender and are not backed by the federal government or by Banco de México. Selling bitcoin can create tax obligations depending on the transaction and taxpayer; see our guide to crypto taxes in Mexico (2026).
Which model works best for long-term Bitcoin accumulation?
Aureo is built for buying Bitcoin regularly with pesos and keeping it in your own wallet. Once you have selected an on-chain or Lightning destination, each SPEI triggers a purchase with automatic delivery. The transaction-size markup covers delivery, so the purchase completes without a separate withdrawal request. Purchases below MX$200,000 normally process within minutes; from MX$200,000, arrange execution and settlement with the OTC desk. For a recurring plan, see the Bitcoin DCA guide for Mexican investors.
Bull Bitcoin also supports direct delivery and automatic purchases through Auto Buy, with on-chain, Lightning and Liquid settlement. ArcadiaB purchases settle in its custodial wallet; moving them into self-custody requires an on-chain or Lightning withdrawal.
Exchanges such as Bitso and Binance offer order books that can also serve long-term buyers. Higher-volume discounts may be irrelevant to a small recurring purchase, but even entry-tier trading fees can be competitive. Compare the total cost for your amount and withdrawal frequency, including any FX conversion, spread and delivery fee. Direct-to-wallet brokers simplify those steps; they are not automatically cheapest.
Mercado Pago and Bitso offer mobile purchase flows for a small first buy. Customers who later choose self-custody request a separate transfer. ARQ also offers in-app BTC purchases, but currently requires selling to release the value rather than withdrawing BTC.
P2P marketplaces suit buyers who want payment flexibility or options without platform identity verification. Compare the seller's price and available amount, then check the escrow terms for that offer. Azteco vouchers provide an account-free route for small purchases.
Businesses and family offices buying at size can use Aureo for businesses and multi-institution custody for the holding side.
Full trading-fee schedules
All rates below are percentages. Maker orders add liquidity; taker orders execute against existing liquidity. These schedules cover the purchase methods compared above.
A. Aureo: transaction-size pricing
Aureo prices each transaction by size. The buy minimum is MX$500 and the sell minimum is MX$100. Purchases below MX$200,000 normally process within minutes. The published fee is 1.00% from MX$200,000 through MX$2,000,000; above MX$2,000,000, request a custom quote. Arrange OTC execution and settlement timing with the desk. Direct delivery is included, and the same percentage tiers apply to buys and sells.
Transaction size (MXN) | Purchase markup |
|---|---|
$500 to below $5,000 | 2.00% |
$5,000 to below $20,000 | 1.75% |
$20,000 to below $50,000 | 1.50% |
$50,000 to below $200,000 | 1.25% |
$200,000 to $2,000,000 (OTC desk) | 1.00% |
Above $2,000,000, up to $20,000,000 (OTC desk) | Request a custom quote |
Above $20,000,000 | Request a custom quote |
B. Bitso Alpha: BTC/MXN
Maker / taker tiers use rolling 30-day MXN volume. Threshold symbols below follow Bitso's published schedule; its page uses strict greater-than signs at tier boundaries.
30-day volume (MXN) | Maker | Taker |
|---|---|---|
< $20,000 | 0.600% | 0.780% |
> $20,000 | 0.590% | 0.760% |
> $100,000 | 0.570% | 0.741% |
> $500,000 | 0.560% | 0.728% |
> $1,000,000 | 0.550% | 0.715% |
> $1,500,000 | 0.500% | 0.650% |
> $5,000,000 | 0.450% | 0.585% |
> $50,000,000 | 0.200% | 0.260% |
> $150,000,000 | 0.100% | 0.130% |
C. Kraken Pro: spot crypto
Kraken applies the best qualifying tier from 30-day spot volume, futures volume or assets held. The table shows the spot-volume and asset routes; the linked schedule also lists futures thresholds. All amounts are USD. Instant Buy volume is excluded. Consumer instant/recurring trades cost 1% and custom orders 1.5%; Kraken+ waives eligible fees up to US$10,000/month, excluding spreads and payment costs.
Tier | 30-day volume ≥ | Assets ≥ | Maker | Taker |
|---|---|---|---|---|
1 | $0 | N/A | 0.40% | 0.80% |
2 | $2,500 | N/A | 0.30% | 0.60% |
3 | $10,000 | $20,000 | 0.22% | 0.38% |
4 | $25,000 | $50,000 | 0.20% | 0.35% |
5 | $50,000 | $100,000 | 0.15% | 0.30% |
6 | $100,000 | $200,000 | 0.12% | 0.25% |
7 | $250,000 | $400,000 | 0.10% | 0.22% |
8 | $500,000 | $600,000 | 0.08% | 0.20% |
9 | $1M | $1M | 0.06% | 0.18% |
10 | $2.5M | $2.5M | 0.04% | 0.15% |
11 | $5M | $5M | 0.02% | 0.12% |
12 | $10M | $10M | 0% | 0.10% |
Pro 1 | $50M | $20M | 0% | 0.09% |
Pro 2 | $100M | $25M | 0% | 0.08% |
Pro 3 | $250M | $50M | 0% | 0.07% |
Pro 4 | $400M | $80M | 0% | 0.06% |
Pro 5 | $500M | $100M | 0% | 0.05% |
D. Binance Spot: standard VIP ladder
This is the standard volume-plus-BNB route. VIP rows require both the USD-equivalent 30-day spot volume and BNB balance shown. Paying eligible fees with BNB applies a further 25% discount. Alternative VIP programs and pair promotions can change eligibility or rates.
Tier | Volume ≥ / BNB ≥ | Maker | Taker | With BNB: maker / taker |
|---|---|---|---|---|
Regular | Below VIP1 | 0.100% | 0.100% | 0.075% / 0.075% |
VIP1 | $1M / 5 | 0.090% | 0.100% | 0.06750% / 0.07500% |
VIP2 | $5M / 25 | 0.080% | 0.100% | 0.06000% / 0.07500% |
VIP3 | $20M / 100 | 0.040% | 0.060% | 0.03000% / 0.04500% |
VIP4 | $75M / 500 | 0.040% | 0.052% | 0.03000% / 0.03900% |
VIP5 | $150M / 1,000 | 0.025% | 0.031% | 0.01875% / 0.02325% |
VIP6 | $400M / 1,750 | 0.020% | 0.029% | 0.01500% / 0.02175% |
VIP7 | $800M / 3,000 | 0.019% | 0.028% | 0.01425% / 0.02100% |
VIP8 | $2B / 4,500 | 0.016% | 0.025% | 0.01200% / 0.01875% |
VIP9 | $4B / 5,500 | 0.011% | 0.023% | 0.00825% / 0.01725% |
E. OKX Spot: standard pairs
All thresholds are USD. Either assets or 30-day spot volume can qualify an account. Negative maker fees are rebates. The table uses OKX’s global Standard Group schedule; regional entities and special pairs can have different rates.
OKX’s global notice scheduled the VIP7/VIP8 adjustment for Sep 9, 2026, 15:00–17:00 (UTC+8), a window that has now passed. The table below reflects the announced new rates. This notice is also published outside the Australia help site; it does not establish identical fees for every regional entity.
Tier | Assets ≥ | 30-day volume ≥ | Maker | Taker |
|---|---|---|---|---|
Regular | < $100,000 | < $1M | 0.0800% | 0.1000% |
VIP1 | $100,000 | $1M | 0.0675% | 0.0800% |
VIP2 | $200,000 | $5M | 0.0600% | 0.0700% |
VIP3 | $2M | $10M | 0.0550% | 0.0650% |
VIP4 | $5M | $20M | 0.0300% | 0.0450% |
VIP5 | $20M | $100M | 0.0250% | 0.0350% |
VIP6 | $50M | $200M | 0% | 0.0300% |
VIP7 | $100M | $500M | −0.0010% | 0.0230% |
VIP8 | $250M | $1B | −0.0025% | 0.0200% |
VIP9 | $500M | $5B | −0.0050% | 0.0150% |
F. Bybit Spot: crypto/crypto
These trading tiers do not establish ongoing availability of MXN-balance funding. USD thresholds for the asset-balance or 30-day spot-volume routes are shown. VIP4, VIP5 and Supreme volume qualification requires API trading volume ≤20%. Account region can change the applicable rate. Other VIP qualification routes are listed in Bybit's fee schedule.
Tier | Assets ≥ | 30-day volume ≥ | Maker | Taker |
|---|---|---|---|---|
VIP0 | $0 | Below VIP1 | 0.1000% | 0.1000% |
VIP1 | $100,000 | $1M | 0.0675% | 0.0800% |
VIP2 | $250,000 | $5M | 0.0650% | 0.0775% |
VIP3 | $500,000 | $10M | 0.0625% | 0.0750% |
VIP4 | $1M | $25M | 0.0500% | 0.0600% |
VIP5 | $2M | $50M | 0.0400% | 0.0500% |
Supreme | N/A | $100M | 0.0300% | 0.0450% |
F, continued. Bybit Spot: fiat/crypto pairs
The better applicable volume tier or VIP level determines the rate. This schedule applies to supported fiat/crypto order-book pairs. The MXN-balance route is closing as described above; other funding and one-click routes can involve separate provider charges.
Tier | 30-day volume (USD) | Maker | Taker |
|---|---|---|---|
VIP0 | < $100,000 | 0.1500% | 0.2000% |
VIP0 | ≥ $100,000 | 0.1000% | 0.2000% |
VIP0 | ≥ $275,000 | 0.1000% | 0.1500% |
VIP0 | ≥ $550,000 | 0.1000% | 0.1200% |
VIP1 | ≥ $1M | 0.0675% | 0.1000% |
VIP2 | ≥ $5M | 0.0650% | 0.0775% |
VIP3 | ≥ $10M | 0.0625% | 0.0750% |
VIP4 | ≥ $25M | 0.0500% | 0.0600% |
VIP5 | ≥ $50M | 0.0400% | 0.0500% |
Supreme | ≥ $100M | 0.0300% | 0.0450% |
Additional pricing details
MEXC's retail Spot schedule is 0% maker / 0.05% taker; paying with MX reduces eligible fees by 20%, to 0% / 0.04%. The separate 50% discount for holding 500 MX was suspended. Institutional market-maker programs have separate eligibility and rates.
Bitso's app quote is valid for 20 seconds. Its embedded spread varies with the currency pair, liquidity and transaction size; quick, recurring and scheduled app buys use this quoted-price model.
Exchange withdrawal fees are set by each platform and move with network conditions. The figures in this article for Binance, OKX, Bybit and MEXC come from exchange API data captured in 2026 and can differ from the figure shown on the withdrawal screen when you transact.
Frequently asked questions
With Aureo, a SPEI transfer triggers the Bitcoin purchase and delivery to your saved wallet. Bull Bitcoin offers automatic purchases through Auto Buy. Paybis uses a checkout where you choose the destination. On an exchange, fund your balance, buy BTC and request a withdrawal to your wallet.
Bitcoin brokers include Aureo, Bull Bitcoin and ArcadiaB. Crypto exchanges include Bitso, Kraken, Binance, OKX, Bybit (subject to the MXN-balance closure above), MEXC and TruBit. Ripio, Mercado Pago, ARQ and Paybis provide additional purchase routes; P2P markets and Azteco vouchers are also available.
There is no single best exchange for every amount and funding route. MEXC and OKX advertise lower entry-tier Spot fees than Bitso in this comparison, but Spot fees alone do not establish the cheapest SPEI-to-wallet purchase. Include conversion, spread and withdrawal costs. Aureo and Bull Bitcoin offer direct delivery, which removes the separate withdrawal request.
It depends on your amount and whether you withdraw. Compare the published fee plus spread plus the BTC withdrawal. A 0% buy that later charges you a withdrawal can cost more than a flat fee with direct delivery.
Yes, with Aureo, Bull Bitcoin (Auto Buy enabled), Paybis, P2P, and Azteco. Custodial platforms that support external transfers need a separate withdrawal; ARQ currently does not support one.
SPEI transfers normally arrive within seconds to a few minutes, any day of the week. Aureo executes the purchase when the transfer lands and sends the Bitcoin to your wallet; on an exchange you then place the trade and request a withdrawal, which may add platform processing and, for on-chain withdrawals, network confirmation time. Details in How long does a Bitcoin purchase take?
Buying bitcoin is not generally prohibited in Mexico. Banco de México distinguishes non-financial businesses offering virtual-asset services from regulated financial institutions. SAT registration for a Vulnerable Activity is not a Fintech Law licence, an investment endorsement or a guarantee of customer funds. Bitcoin is not legal tender.
Aureo’s buy minimum is MX$500; its MX$100 sell minimum is a separate limit. Bull Bitcoin requires a MX$1,000 SPEI deposit, while Kraken requires MX$150. Deposit minimums do not necessarily equal the minimum BTC order or the amount needed for withdrawal; see the limits table for each operation.
Moving BTC to your own wallet gives you control of its private keys. You take responsibility for protecting the wallet and its backup. Check the platform's withdrawal fee and the receiving wallet's network support.
About the author
Tristan Borges Solari · CPO, Aureo
Chief Product Officer at Aureo, where he leads design, writes the firm's research, blog and newsletter, and edits The Aureo Quarterly. He cofounded Veriphi, a Canadian Bitcoin exchange that was later acquired, and was Head of Design at Bitcoin Well (TSXV: BTCW). Nearly a decade in Bitcoin; B.Com. in Finance from the John Molson School of Business.